Mo Bai is a financial advisor at Fidelity with Series 66 and Series 63 credentials and four years of industry experience. Prior to joining Fidelity in 2025, Bai worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., among other firms. Bai also operated a family daycare business from 2022 to 2025. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Edwin Ngai is a financial advisor with Charles Schwab in Oakland, CA, holding Series 63 and Series 66 licenses with 29 years of industry experience. He has been with Charles Schwab since 1997. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary client advisory with access to discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by Schwab Center for Financial Research.

Chase Henley is a Series 66-licensed financial advisor with Morgan Stanley in Pleasanton, CA, bringing seven years of industry experience. His work history includes consistent roles at Morgan Stanley and Amherst College from 2016 to the present. Morgan Stanley Wealth Management serves both individuals and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services under both direct client and corporate financial planning agreements.

Sujan Chyo is a Series 66-licensed financial advisor with Morgan Stanley in Pleasanton, CA, with 20 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market modeling to support client financial goals.

Nathan Bennett is a CFP® professional with 26 years of experience currently affiliated with Raymond James Financial Services Advisors, Inc. He is also the co-owner and managing partner of Summit Financial Group, LLC, where he serves as CEO and chair of the leadership team. His career includes long-term roles at Securian Financial Services, Inc. and Summit Financial Group. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients including individuals, high-net-worth clients, pensions, corporations, and institutional entities. The firm delivers tailored, non-discretionary advice using analytical modeling and supports its offerings with municipal advisory services and specialized retirement plan consulting.

Jasmine Murakami is a CFP®-certified financial advisor with 19 years of industry experience. She is currently with Morgan Stanley Smith Barney LLC and has held positions at RBC Capital Markets, Merrill, Morgan Stanley, and Citigroup Global Markets. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs and financial planning services.

M. Curtis Bauer is a financial advisor with Cetera, holding a Series 63 designation and bringing 34 years of industry experience. He has been with Cetera and its affiliated entities since 2013. Outside of his advisory role, he serves as a director for a homeowners association, acting as a vendor liaison. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers to provide various investment program options.

Kenneth Dammel is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at Woodbury Financial Services, Questar Asset Management, and Sterne Agee. Kenneth also owns Beckman Investment Securities, a sole proprietorship through which he has provided investment advice since 2008. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and rebalancing tools.

Daniel Mckinney is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds the Series 66 and Series 65 designations. His career includes multiple periods at Morgan Stanley since 2015 and a brief tenure at Merrill in 2017. Outside of advising, he is involved in rental property investment in Hawaii. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs a structured planning process supported by proprietary tools and manages approximately $2.74 trillion in client assets.

Mai Liu is a financial advisor at Charles Schwab with 10 years of industry experience. She holds Series 65 and Series 63 licenses and has worked at major firms including Morgan Stanley Private Bank and Fidelity Investments. Her current role at Charles Schwab includes experience with both the Premier Bank and the main Schwab platform. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory recommendations and access to discretionary separately managed accounts within an integrated, large-scale operational structure.

Daryl Cisson is a financial advisor with Wells Fargo Clearing in Oakland, CA, holding a Series 66 designation and 24 years of industry experience. His career includes roles at Wells Fargo Investments, LLC and Banc of America Investment Services, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and external sources.

Martin Johnson is a financial advisor with Osaic, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He previously worked for Lincoln Financial Advisors for 24 years before joining Osaic in 2025. Johnson is also involved in providing insurance products, including accident, health, disability, long-term care, and traditional life insurance, through several agent roles and his own LLC. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering both brokerage and advisory services across multiple programs. The firm utilizes a model-based investment process with tools for portfolio optimization and risk management, supporting a range of discretionary and non-discretionary strategies through its extensive affiliate network.

Sheng Chun Chiu is a financial advisor at Charles Schwab with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab and its affiliated bank since 2012. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a combination of non-discretionary advisory and discretionary managed-account services through its Schwab Wealth Advisory program and affiliated investment management firms.

Egan Brown is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 credential and nine years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2017 and previously worked at H&R Block. Outside of his advisory role, he owns and manages real estate investment activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Madeline Jay is a financial advisor at Cetera with 42 years of industry experience. She holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Cetera in 2021, she worked at VOYA Financial Advisors from 2014 to 2021. Jay is also an independent insurance agent with a business dedicated to the sales and service of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporations, charitable clients, and institutions. The firm offers a range of services including portfolio management, financial planning, and access to third-party money managers, operating a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Jeffrey Lee is a Series 66-licensed financial advisor with 11 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and has held roles at Summit Financial Group, Securian Financial Services, and SGC Financial & Insurance Services. Outside of his advisory work, he is an associate advisor with Summit Financial Group, supporting another financial advisor in a non-investment capacity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a large advisor network, with specialized municipal finance capabilities and customized employer advisory programs.

James Bassett is a financial advisor at Raymond James Financial with nine years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones for six years. Outside of his advisory role, Bassett owns and operates Diamond Oak Wealth Partners and serves as CEO of JRB Financial, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary advisory services using risk profiling and analytical modeling, and it supports a broad network of advisors with specialized programs including municipal and public finance advisory services.

John Macchi is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes firm-approved tools and scenario modeling.

Alexander Winter is a Series 66-licensed financial advisor with two years of industry experience, currently with OSAIC. His prior work includes roles at Beckman Investment Securities and involvement with Papapavlos Bistro and Bar, as well as a position at the University of Southern California. He has experience selling securities as an investment professional. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm utilizes a model-based investment approach with portfolio optimization tools and provides a range of programs such as financial planning, managed portfolios, and third-party manager offerings.

Scott Cangelosi is a financial advisor at OSAIC with 28 years of industry experience. He holds a Series 66 designation and previously worked for Lincoln Financial Advisors Corporation for 27 years. Outside of advisory work, he acts as an insurance agent, focusing on non-variable life insurance policies and fixed or indexed annuities. OSAIC Wealth serves a wide range of clients, including individual investors, retirement plan sponsors, charities, and corporate entities, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, utilizing tools such as risk-tolerance questionnaires, efficient frontier analysis, and rebalancing strategies.